China Pacific Property Insurance Company Limited
Property All Risks Insurance Clause
General Provisions
Article 1 This insurance contract consists of the insurance clauses, the application form, the insurance policy or other insurance certificates, and the endorsement. All agreements relating to this insurance contract shall be in writing.
Subject matter of insurance
Article 2The following properties within the address stated in this insurance contract may be the subject matter of insurance:
(1) properties owned by the insured or *** with others and for which the insured is responsible;
(2) properties operated, managed, or held in safekeeping by the insured on behalf of others;
(3) other properties which are legally recognized as having economic interests with the insured;
(4) properties with a good relationship with the insured and for which the insured has a good relationship with the insured. (c) Other property with legally recognized financial interest in the insured.
Article 3: The following properties within the address stated in this insurance contract shall not be the subject matter of this insurance contract if they have not been specifically agreed upon by both parties to the insurance contract and the insurance value is stated in the insurance contract:
(1) precious properties such as gold, silver, jewels, diamonds, jades, jewelry, antique coins, antiques, antique books, antique paintings, stamps, paintings, works of art, rare metals, etc;
(B) dykes and weirs, sluice gates, railroads, roads, culverts, tunnels, bridges, piers;
(C) equipment and materials in the mines (pits);
(D) portable communication devices, portable computer equipment, portable photographic and video equipment, as well as other portable devices and equipment;
(E) not yet delivered to the use or acceptance of the project.
Article 4 of the following property is not the subject matter of this insurance contract:
(1) land, mineral deposits, water resources and other natural resources;
(2) mines, pits;
(3) currency, bills, securities, and cash value of the magnetic card, integrated circuit (IC) cards and other cards;
(4) documents, ledgers , charts, technical information, computer software, computer data data and other property that can not be identified value;
(v) firearms and ammunition;
(vi) illegal construction, dangerous buildings, illegally occupied property;
(vii) motor vehicles receiving a public **** driving license;
(viii) animals, plants, crops.
Insurance
Article 5 during the insurance period, due to natural disasters or accidents caused by the subject matter of the insurance of direct physical damage or loss (hereinafter referred to as "loss"), the insurer is responsible for compensation in accordance with the provisions of this insurance contract.
The cause of the preceding paragraph of the insurance accident, in order to save the subject matter of the insurance or to prevent the spread of disaster, to take the necessary and reasonable measures to cause the loss of the subject matter of the insurance, the insurer in accordance with the agreement of the insurance contract is also responsible for compensation.
Article 6 After the occurrence of the insurance accident, the insured to prevent or reduce the loss of the subject matter of the insurance to pay the necessary and reasonable expenses, the insurer in accordance with the agreement of this insurance contract is also responsible for compensation.
Exemption of Liability
Article 7 The insurer shall not be liable to indemnify the insured for any loss or expense caused by the following:
(1) intentional or grossly negligent acts of the policyholder, the insured and their representatives;
(2) administrative or judicial acts;
(3) war, acts of war-like acts, hostilities, military operations, armed conflict strike, riot, insurrection, coup d'état, conspiracy, terrorist activity;
(iv) earthquakes, tsunamis and their secondary disasters;
(v) nuclear radiation, nuclear fission, nuclear fusion, nuclear contamination, and other radioactive contamination;
(vi) atmospheric contamination, land contamination, water contamination, and other non-radioactive contamination, except non-radioactive contamination due to an insured accident;
(vii) inherent or latent defects, natural wear and tear, natural wear and tear, atmospheric (climatic or temperature) changes, normal water level changes or other gradual causes, changes in the substance itself, mildew, dampness, rodent bites, insect bites, bird pecks, oxidation, rusting, seepage, and baking of the subject matter of the insurance;
(viii) theft, robbery.
Article VIII of the following losses, expenses, the insurer is also not responsible for compensation:
(a) the subject matter of insurance suffered by the insurance accident caused by a variety of indirect losses;
(b) design errors, raw material defects or poor workmanship caused by the subject matter of the loss of the insurance itself;
(c) billboards, antennae, neon lights, solar energy installations and other external building accessories facilities, the subject matter of insurance stored in the open air or in simple buildings, and simple buildings, due to lightning, rainstorms, floods, windstorms, tornadoes, hail, typhoons, hurricanes, blizzards, ice, dust storms;
(d) boilers and pressure vessels caused by the explosion of the subject matter of its own loss;
(e) non-external force caused by the loss of mechanical or electrical equipment itself;
(f) the insured's own losses;
(h) the insured's own losses. p>(vi) Loss of operated mechanical or electrical equipment due to improper operation or technical defects of the insured and its employees;
(vii) Shortages discovered during inventory;
(viii) Losses and expenses resulting from interruption of public **** supply of electricity, water, gas, and other energy sources from any cause;
(ix) Deductibles set forth in the contract of insurance or in accordance with the deductibles set forth in the contract of insurance insurance contract or the deductible amount calculated according to the deductible rate set forth in this insurance contract.
Insurance Value, Insurance Amount and Deductible (Rate)
Article 9The insurance value of the subject matter of insurance may be the replacement value at the time of insurance, the book balance at the time of insurance, the market value at the time of insurance, or any other value, which shall be determined by agreement between the policyholder and the insurer, and shall be set forth in this insurance contract.
Article 10 The insurance amount shall be determined by the policyholder with reference to the insurance value and set forth in the insurance contract. The insurance amount shall not exceed the insurance value. If it exceeds the insured value, the exceeding part shall be invalid and the insurer shall refund the corresponding insurance premium.
Article 11 The deductible (rate) shall be determined by the policyholder and the insurer in the conclusion of the insurance contract, and shall be set forth in the insurance contract.
Insurance period
Unless otherwise agreed, the insurance period is one year, subject to the starting and ending time stated in the insurance policy.
Obligations of the insurer
Article 13 If the insurance contract is concluded with the form terms provided by the insurer, the insurance policy provided by the insurer to the policyholder shall be accompanied by the form terms and conditions, and the insurer shall explain the contents of the insurance contract to the policyholder. For the insurance contract exempts the insurer's responsibility of the provisions of the insurance contract, the insurer in the conclusion of the contract shall be in the policy, the insurance policy or other insurance certificates to make enough to attract the attention of the policyholder, and the content of the provisions of the written or verbal form of the policyholder to make a clear statement; no prompting or a clear statement, the provisions do not have effect.
Article 14 After the establishment of this insurance contract, the insurer shall promptly issue the policy or other insurance certificates to the policyholder.
Article 15 The right of the insurer to terminate the insurance contract acquired under Article 19 shall be extinguished if it is not exercised for more than thirty days from the date when the insurer becomes aware of the cause of termination. If more than two years have elapsed since the date of establishment of the insurance contract, the insurer may not terminate the contract; if an insurance accident occurs, the insurer shall bear the liability for compensation.
The insurer shall not terminate the contract if the insurer already knows that the policyholder has not truthfully informed the insurer at the time of the conclusion of the contract; in case of an insurance accident, the insurer shall bear the compensation responsibility.
Article 16 The insurer, in accordance with the agreement of Article 25, the insurer believes that the proof and information provided by the insured about the claim is incomplete, it shall promptly notify the policyholder and the insured in one go to provide additional information.
Article 17 The insurer shall, upon receipt of the insured's request for compensation of insurance benefits, promptly make an approval of whether it is an insurance liability; if the situation is complicated, it shall make an approval within thirty days, unless otherwise agreed in the insurance contract.
The insurer shall notify the insured of the results of the authorization; if it is an insurance liability, it shall fulfill the obligation to indemnify the insurance premiums within ten days after reaching an agreement on indemnification of insurance premiums with the insured. If there is an agreement in the insurance contract on the period of indemnification, the insurer shall fulfill the obligation of indemnification in accordance with the agreement. After the insurer has made an approval in accordance with the agreement in the preceding paragraph, if it does not belong to the insurance responsibility, it shall issue a notice of refusal to indemnify the insurance fund to the insured within three days from the date of making the approval and state the reasons.
Article 18 The insurer shall, within sixty days from the date of receipt of the request for indemnity and the relevant proofs and information, pay the amount of the indemnity insurance premiums if the amount of the indemnity insurance premiums cannot be determined, based on the amount which can be determined by the existing proofs and information; the insurer shall pay the corresponding difference after the amount of indemnity insurance premiums has been finally determined.
Obligations of the policyholder and the insured
Article 19 of the conclusion of the insurance contract, the insurer inquires about the subject matter of the insurance or the insured, the policyholder shall inform the insured truthfully and fill in the policy truthfully.
If the policyholder intentionally or through gross negligence fails to fulfill the obligation to inform truthfully as stipulated in the preceding paragraph, which is sufficient to affect the insurer's decision on whether to agree to underwrite the insurance policy or to increase the premium rate, the insurer shall have the right to terminate the contract.
If the policyholder intentionally fails to fulfill the obligation of truthful disclosure, the insurer shall not be liable to compensate for the insurance accidents that occurred before the termination of the contract, and shall not refund the insurance premiums.
If the policyholder fails to fulfill the obligation of truthful disclosure due to gross negligence, which has a serious impact on the occurrence of the insurance accident, the insurer shall not be liable for compensation for the insurance accident that occurred before the termination of the contract, but shall refund the insurance premiums.
Article 20 The policyholder shall deliver the insurance premium as agreed.
If it is agreed that the premium shall be paid in one lump sum, and if the policyholder pays the premium after the agreed payment date, the insurer shall not be liable for the insurance accidents occurring before the payment of the premium.
If the insurer agrees to pay the insurance premium in installments, the insurer shall bear the insurance liability according to the ratio of the total amount of premiums actually collected by the insurer before the occurrence of the insurance accident to the premiums to be paid by the policyholder, which refers to the total amount of premiums that should be paid by the policyholder according to the agreement on installments as of the time of the occurrence of the insurance accident.
Article 21 The insured shall comply with the relevant laws, regulations and rules of the state on fire protection, safety, production operation, labor protection, etc., strengthen the management, take reasonable precautions, try to avoid or reduce the occurrence of the liability accidents, and maintain the safety of the subject matter of the insurance.
The insurer may inspect the insured's compliance with the agreement in the preceding paragraph and make written suggestions to the policyholder and the insured to eliminate the unsafe factors and hidden dangers, which should be seriously put into practice by the policyholder and the insured.
If the policyholder or the insured fails to fulfill its due responsibility for the safety of the subject matter of the insurance in accordance with the agreement, the insurer has the right to demand an increase in the insurance premium or terminate the contract.
Article 22 of the insurance subject matter of the transfer, the insured or transferee shall promptly notify the insurer.
The transfer of the subject matter of insurance leads to a significant increase in the degree of danger, the insurer within thirty days from the date of receipt of the notification provided for in the preceding paragraph, it may, in accordance with the contractual agreement to increase the premium or terminate the contract. If the insurer rescinds the contract, it shall return the collected premiums to the policyholder after deducting the portion receivable from the date of commencement of the insurance liability to the date of rescission of the contract in accordance with the contract.
If the insured or the transferee fails to fulfill the notification obligation stipulated in this Article, the insurer shall not be liable for the insurance accident that occurs due to a significant increase in the degree of danger of the subject matter of insurance as a result of the transfer.
Article 23 During the validity period of the contract, if the subject matter of the insurance occupies and uses the nature of the subject matter of the insurance, the address of the subject matter of the insurance, and other important matters of the insurance contract which may lead to a significant increase in the degree of danger of the subject matter of the insurance, or other matters which are sufficiently important to affect the insurer's decision as to whether or not to continue to underwrite or whether or not to increase the premium are changed, the insured shall promptly inform the insurer in writing of the changes and the insurer shall have the right to demand an increase in the premium or to terminate the contract.
If the insured fails to fulfill the obligation of notification as agreed in the preceding paragraph, the insurer shall not be liable for the compensation for the insurance accident which occurs due to the significant increase in the degree of danger of the subject matter of the insurance.
Article 24 After knowing the occurrence of an insured accident, the insured should:
(1) try its best to take necessary and reasonable measures to prevent or minimize the loss, or else the insurer shall not bear the compensation responsibility for the loss enlarged as a result;
(2) immediately notify the insurer and give a written explanation of the cause, occurrence and loss of the accident; intentionally or through If the insurer fails to notify the insurer in time due to gross negligence, which makes it difficult to determine the nature, cause and extent of loss of the insured accident, the insurer shall not be liable for the undetermined portion of the accident, unless the insurer has known or should have known the occurrence of the insured accident in time through other means;
(3) Protecting the scene of the accident, and permitting and assisting the insurer to conduct an investigation of the accident; the insurer shall not be liable for any damages caused by the insurer's refusal to conduct an investigation of the accident. If the insurer refuses or hinders the insurer's investigation of the accident so that the cause of the accident cannot be determined or the loss cannot be verified, the insurer shall not be liable for the part that cannot be determined or verified.
Article 25 When the insured person requests for compensation, he shall provide the insurer with the following certificates and information:
(1) the original insurance policy, application for claim, list of property losses, technical appraisal certificates, accident report, invoices for ambulance expenses, necessary books and documents and certificates of the relevant departments;
(2) the evidence and information which the policyholder and the insured person are able to provide and which is related to the identification of the nature, cause and degree of loss of the insurance incident;
(3) the evidence and information which is related to the identification of the nature, cause and degree of loss of the insurance incident. (b) Other proofs and information that the policyholder and the insured can provide to confirm the nature, cause and degree of loss of the accident.
If the policyholder or the insured fails to fulfill the obligation to provide the documents as agreed in the preceding paragraph, resulting in the insurer's inability to verify the loss, the insurer shall not be liable for the portion that cannot be verified.
Compensation Handling
Article 26 If the insured does not have insurance interest in the subject matter of the insurance at the time of occurrence of the insurance accident, the insurer shall not be required to request compensation for the insurance benefit.
Article 27 If the subject matter of the insurance incurs a loss within the scope of insurance liability, the insurer has the right to choose the following ways to compensate:
(1) Monetary compensation: the insurer compensates the insured by paying the insurance premium;
(2) Compensation in kind: the insurer replaces the damaged subject matter with a physical object, which shall be of the same type, structure, state and performance as that of the subject matter of the insurance prior to the occurrence of the insured;
(c) physical repair: the insurer itself or entrust others to repair and repair the damaged subject matter.
The insurer shall not be liable for any additional costs incurred by the insured for any alteration, increase in performance or improvement of the subject matter of the insurance in the course of repair or replacement.
Article 28 After the subject matter of insurance suffers a loss, if there is a residual value, it shall be dealt with by mutual agreement. If discounted to the insured, the value shall be determined by mutual agreement and deducted from the insurance claim.
Article 29 If the subject matter of insurance suffers a loss within the scope of insurance liability, the insurer shall calculate the compensation as follows:
(1) If the insurance amount is equal to or higher than the insurance value, the compensation shall be calculated in accordance with the actual loss, and the maximum shall not be more than the insurance value;
(2) If the insurance amount is lower than the insurance value, the compensation shall be calculated in accordance with the ratio of the insurance amount to the insurance value multiplied by the actual loss. (ii) If the insurance amount is lower than the insurance value, the compensation shall be calculated by multiplying the ratio of the insurance amount to the insurance value by the actual loss, up to the insurance value;
(iii) If there is more than one subject matter listed in this insurance contract, it shall be dealt with separately in accordance with the provisions herein.
Article 30 When the insured amount of the subject matter of the insurance is greater than or equal to its insured value, the necessary and reasonable expenses paid by the insured to prevent or minimize the loss of the subject matter of the insurance shall be calculated in addition to the amount of compensation for the loss of the subject matter of the insurance, up to the maximum value of the insured value of the subject matter of the insurance to which the rescue is being carried out.
If the insured amount of the subject matter of the insurance is less than its insured value, the above expenses shall be calculated in proportion to the ratio between the insured amount of the subject matter of the insurance and its insured value in addition to the amount of compensation for the loss of the subject matter of the insurance, and the maximum amount shall not exceed the insured amount of the subject matter of the insurance being rescued.
If the property to be rescued contains property not covered by this insurance contract, the cost of rescue shall be shared in the ratio of the insured value of the subject matter of the insurance to the value of all the property to be rescued.
Article 31 The insurer's compensation for each accident shall be the amount calculated in accordance with the agreement of Articles 29 and 30 minus the amount of deductible for each accident, or the amount calculated in accordance with the agreement of Articles 29 and 30 minus the product of such amount and the deductible.
Article 32 In the event of an insurance accident, if there is duplicate insurance, the insurer shall be liable for compensation in the ratio of the corresponding insurance amount of this insurance contract to the sum of the corresponding insurance amounts of the other insurance contracts and this insurance contract.
The Insurer shall not be responsible for advancing the amount of compensation to be borne by other insurers. If the insured's failure to provide truthful information results in overpayment of compensation by the insurer, the insurer shall be entitled to recover the overpaid portion from the insured.
Article 33 After a partial loss of the subject matter of the insurance occurs and the insurer fulfills its obligation to indemnify, the insurance amount of this insurance contract shall be reduced accordingly to the amount of indemnity paid by the insurer from the date of the loss, and the insurer shall not refund the premium for the part of the reduction of the insurance amount. If the policyholder requests to restore the insurance amount to the original amount of insurance, the premium for the restored portion shall be paid separately at the originally agreed premium rate calculated on a daily pro-rata basis from the date of restoration of the policyholder's request to the date of expiration of the insurance period.
Article 34 If a loss within the scope of insurance liability occurs and the responsible party shall be responsible for the compensation, the insurer shall be subrogated to exercise the right of the insured to request compensation from the responsible party within the scope of the amount of compensation from the date of the indemnity to the insured, and the insured shall provide the insurer with the necessary documents and the relevant information known to the insurer.
If the insured has already obtained compensation from the responsible party, the insurer may deduct the amount of compensation that the insured has already obtained from the responsible party accordingly when compensating the insurance benefit.
After the occurrence of an insurance accident, the insurer shall not be liable for the compensation if the insured person gives up the right to claim compensation from the responsible party before the insurer compensates the insurance benefit; after the insurer compensates the insured person for the insurance benefit, the insured person shall be invalid if he/she gives up the right to claim compensation from the responsible party without the insurer's consent; if the insurer cannot exercise the right of subrogation for compensation due to the insured person's intentional or grossly negligent behavior. If the insurer is unable to exercise the right of subrogation for compensation due to the insured's willfulness or gross negligence, the insurer may deduct or demand the return of the corresponding insurance premium.
Article 35: The limitation period for the insured to claim compensation from the insurer is two years from the date when the insured knew or should have known of the occurrence of the insurance accident.
Dispute handling and application of law
Article 36 Disputes arising from the fulfillment of this insurance contract shall be resolved through consultation between the parties. If the negotiation fails, the dispute shall be submitted to the arbitration organization stated in the insurance policy; if the insurance policy does not state the arbitration organization and no arbitration agreement has been reached after the dispute has arisen, the dispute shall be sued to the People's Court in accordance with the law.
Article 37: The laws of the People's Republic of China (excluding the laws of Hong Kong, Macao and Taiwan) shall apply to all disputes relating to this insurance contract and the fulfillment of this insurance contract.
Other Matters
Article 38 In the event of partial loss of the subject matter of insurance, the policyholder may terminate the contract within thirty days from the date of indemnity by the insurer; and unless otherwise agreed in the contract, the insurer may also terminate the contract, but it shall notify the policyholder in advance of fifteen days.
If the insurance contract is canceled according to the provisions of the preceding paragraph, the insurer shall return to the policyholder the premiums for the part of the subject matter of the insurance which has not suffered any loss in accordance with the contract after deducting the portion which should be collected from the date of commencement of the insurance liability to the date of cancellation of the contract.
Article 39 Before the commencement of the insurance liability, if the policyholder requests to terminate the insurance contract, he shall pay the insurer the surrender handling fee as agreed in this insurance contract, and the insurer shall refund the remaining part of the premium.
After the commencement of the insurance liability, if the policyholder requests to terminate the insurance contract, the insurance contract shall be terminated as of the date of notification to the insurer, and the insurer shall charge the premiums for the period from the date of commencement of the insurance liability to the date of termination of the contract according to the short-term rate, and shall refund the remaining part of the premiums.
After the commencement of the insurance liability, if the insurer requests to terminate the insurance contract, it may terminate this insurance contract by sending a notice of termination to the policyholder fifteen days in advance, and the insurer will charge the premiums according to the daily ratio of the period from the date of the commencement of the insurance liability to the date of the termination of the contract to the period of the insurance and will refund the remaining part of the premiums.
Article 40: In case of total loss of the subject matter of the insurance, if it belongs to the insurance liability, this insurance contract shall be terminated after the insurer has fulfilled the obligation of compensation; if it does not belong to the insurance liability, this insurance contract shall be terminated, and the insurer shall charge the premiums at the short-term rate from the date of the commencement of the insurance liability to the date of the occurrence of the loss and return the remaining portion of the premiums.
Interpretation
Article 41The following interpretation applies when this insurance contract involves the following terms:
(1) Fire
The disaster caused by uncontrolled combustion in time or space. The following three conditions must be present for fire to constitute liability under this insurance:
1. The phenomenon of combustion, i.e., heat, light and flame;
2. Incidental, accidental combustion;
3. Loss of control of the combustion and the tendency to spread and expand.
Therefore, the mere presence of combustion does not constitute fire liability under this policy. In production, life with the purpose of using fire, such as in order to prevent disease and burning station dirty clothing, fire burning and other normal combustion, different from the fire liability.
Baking, roasting, scalding, branding caused by scorching and deterioration and other losses, neither burning phenomenon, nor the spread of the tendency to expand, also does not belong to the fire liability.
Motor, electrical appliances, electrical equipment due to overuse, overvoltage, touching the line, lone flower, leakage, their own heat caused by its own damage, is not a fire liability. However, if combustion occurs and spreads out of control, it constitutes fire liability and is responsible for compensation for the damage to the motor, appliance and electrical equipment itself.
(B) explosion
Explosion of physical and chemical explosions.
1. physical explosion: due to the liquid into steam or gas expansion, the pressure increases dramatically and greatly exceeds the limit pressure that the container can withstand, and thus the explosion. Such as boilers, air compressors, compressed gas cylinders, liquefied gas tank explosion. Boiler, pressure vessel explosion is defined as: boiler or pressure vessel in use or pressure test rupture, so that the pressure instantly falls to equal to the external atmospheric pressure of the accident, known as the "explosion".
2. chemical explosion: the object in the instantaneous decomposition or combustion of a large amount of heat and gas release, and to a great pressure to the surrounding phenomenon of diffusion. Such as gunpowder explosions, combustible dust fiber explosions, combustible gas explosions and explosions of various chemicals.
The object itself due to defects, loss of use or poor product quality and due to the container inside the "negative pressure" (internal pressure is smaller than the external pressure) caused by the loss, is not responsible for the explosion.
(C) lightning
Lightning refers to the disaster caused by lightning. Lightning for cumulonimbus clouds, clouds or clouds between the discharge phenomenon. The form of damage of lightning strikes is divided into direct lightning strikes and induced lightning strikes of two kinds.
1. direct lightning strike: due to lightning directly hit the subject matter of the insurance loss, is a direct lightning strike liability.
2. Induction of lightning: due to lightning generated by electrostatic induction or electromagnetic induction to the house to the ground insulated metal objects produce high potential discharge sparks caused by fire, resulting in the destruction of electrical appliances itself, or due to the high voltage induction of lightning, resulting in the destruction of electrical components, is the responsibility of induction of lightning.
(d) heavy rainfall: refers to rainfall of 16 millimeters per hour or more, or 12 consecutive hours of rainfall of 30 millimeters or more, or 24 consecutive hours of rainfall of 50 millimeters or more.
(v) Flood: refers to flash floods, river flooding, tidal upwelling and backwater. However, regular high tides, leakage of automatic fire extinguishing facilities as well as below the perennial water level or underground seepage, bursting of water mains is not a flood liability.
(F) Storm: refers to the wind force of 8, wind speed of 17.2 m / s or more natural wind.
(vii) tornado: refers to a range of small and short violent whirlwind, the average maximum wind speed on land in the 79 m / s - 103 m / s, the extreme maximum wind speed of 100 m / s or more.
(viii) hail: refers to ice or ice balls from strongly convecting cumulonimbus clouds falling to the ground, the diameter of more than 5 mm, the core of the hard solid precipitation.
(ix) typhoon, hurricane: typhoon refers to the maximum average wind force near the center of 12 or more, that is, the wind speed of 32.6 m / s above the tropical cyclone; hurricane is a typhoon and typhoon of the same nature, but appeared in a different location area of tropical cyclones, typhoons appear in the northwestern Pacific Ocean waters, while hurricanes appear in the Indian Ocean, Atlantic Ocean waters.
(J) dust storm: refers to the strong winds will be a large amount of dust and sand on the ground blowing up, so that the air is very turbid, horizontal visibility less than 1 kilometer of the weather phenomenon.
(xi) blizzard: refers to the phenomenon of snowfall greater than or equal to 10 millimeters of snow in 12 consecutive hours.
(xii) ice: refers to the spring thawing period of the river ice floating obstruction, accumulation of dams, blocking the river channel, resulting in a sharp rise in the water level, so that the river overflowed the river channel, diffuse into a disaster.
Some areas on land, such as valleys, wind or cold, resulting in rain and snow in the object of ice, into the shape of the sag, the more the thicker the knot, the weight increases, due to the sagging of the tension caused by the destruction of the object, is also the responsibility of the ice.
(xiii) sudden landslide: the slope of the unstable rock and soil body or man-made accumulation in the gravity of the phenomenon of sudden overall downward slide.
(xiv) collapse: rock cliffs, earth cliffs, rocks by natural weathering, rain erosion caused by collapse and collapse, as well as a large amount of snow under the action of gravity from a high place suddenly collapsed and rolled down.
(15) Mudslide: a special flood containing a large amount of sediment and rocks inspired by water sources such as rain, melting ice and snow.
(xvi) Sudden Subsidence and Sinking of the Ground: Sudden collapse of the earth's crust due to natural mutation and contraction of the earth's strata. For the tide, rivers, heavy rain erosion or in the construction of houses before the failure to grasp the stratum of the ground, underground holes, mines, so that the ground suddenly collapsed, also belong to the sudden subsidence of the ground subsidence. However, not according to the building construction requirements, resulting in building foundation sinking, cracks, collapse, etc., is not included.
(17) flying objects and other airborne objects fall: refers to air vehicles, artificial satellites, meteorite fall, cranes, cranes, objects falling during the operation of the object, man-made excavations or explosions resulting in rock, stone, earth shooting, collapsing, building collapse, falling, tipping, and other airborne objects fall.
(xviii) natural disasters: refers to lightning strikes, rainstorms, floods, windstorms, tornadoes, hail, typhoons, hurricanes, sandstorms, blizzards, ice, sudden landslides, collapses, mudslides, the ground suddenly subsidence subsidence, and other manpower can not resist the destructive force of powerful natural phenomena.
(xix) Accident: refers to unforeseen and sudden events beyond the control of the insured and resulting in material damage, including fire and explosion.
(xx) Grossly negligent behavior: refers to the behavior of the perpetrator who not only fails to comply with the higher requirements of the legal norms, but also fails to meet even the general standards that people should pay attention to and be able to pay attention to.
(xxi) Terrorist Activity: means an action taken by any person in the name of, or with the participation of, an organization to use force or violence to intimidate or influence any government.
(xxii) Earthquake: a shaking of the earth's crust.
(xxiii) Tsunami: A tsunami is a giant wave in the ocean inspired by an undersea earthquake, volcanic eruption, or underwater landslide or collapse.
(xxiv) administrative or judicial act: refers to government departments at all levels, law enforcement agencies, or agencies performing public **** management and social management functions in accordance with the law to order the destruction, expropriation, and confiscation of the subject matter of insurance.
(xxv) simple building: refers to buildings that meet one of the following conditions: (1) the use of bamboo, mats, poncho, thatch, linoleum, plastic film, nylon cloth, fiberglass tiles, and other materials for the roof or walls of the building; (2) the top of the top is closed, but the ratio of the area of the non-closed part of the upright surface to the total area of the upright surface exceeds 10 percent of the building; (3) the roof and the maximum distance between all walls of the building. distance between the roof and all walls exceeds one meter.
(26) spontaneous combustion: combustible materials in the absence of direct external heat source, due to its internal physical action (such as adsorption, radiation, etc.), chemical action (such as oxidation, decomposition, polymerization, etc.) or biological action (such as fermentation, bacterial spoilage, etc.) and heat, heat accumulation leads to warming, and combustion occurs when combustibles reach a certain temperature, not in direct contact with an open flame.
(xxvii) Replacement value: the cost incurred to replace or rebuild the damaged subject matter of insurance to bring it to a brand new condition, but excluding the additional costs incurred for any alterations, additions to performance or improvements made by the insured.
(xxviii) water tank, water pipe burst: including freeze crack and accidental burst of two cases. Water tank, water pipe burst is generally caused by the water tank, water pipe itself defective or use wear and tear or severe cold and ice.
Appendix
Short-Term Rate Schedule
Insurance
Period One
Apartment
Month Two
Apartment
Month Three
Apartment
Month Four
Apartment
Month Five
Apartment
Month Six
Announcement
Apartment
Month Six
Month 7
a
Month 8
a
Month 9
a
Month 10
a
Month 10
a
Month 10
a
Month 10
two-
a
Month
Month < /p>
Percentage of annual rate1020304050607080859095100
Note: Less than one month is charged as one month.
Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"